🇪🇸 Monzo in Spain [Wiki]

(Ryan Warrington) #1

This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.

Just like Wikipedia, anyone can edit it to help out others. If you have any tips or feedback for visiting Spain with Monzo, please feel free to edit this guide. You can also add a comment or question below — someone will then incorporate your comment into the main text below and then delete your comment. To create your own “Monzo in …” guide if one doesn’t already exist, just copy this template into a new post and write away!

Safe travels! :wave: :airplane:


Spain uses the Euro (€).

Monzo users pay the Mastercard exchange rate with no added fees.

Card usage

Chip & PIN is everywhere. Contactless is common, but Spanish merchants aren’t in the habit of using it. They will take your card to insert it instead. That may well change once Apple Pay starts here in Spain (rumoured to be later this year). Swiping is usually a last resort.


Beware Dynamic Currency Conversion “Do you wish to pay in GBP?” messages on both ATM and shop POS. ALWAYS select EUR (their DDC rate is very bad v the Monzo Mastercard rate).

ATM operator charges:
Santander charge €5 and BBVA extra too.
Banc Sabadell wanted to charge €1.80 for a cash withdrawal whereas Cajamar was fee free.

The Mastercard Nearby app is useful to have on your phone to find Mastercard ATM and contactless locations. Good for locations close to where you are now but less so if you want to find locations somewhere you are travelling to.

Payment and withdrawal limits

All Monzo cards have some payment and withdrawal limits. To check yours before you leave, go to your Profile section of the app and tap on Limits.

Crowdsourced merchant data

The Monzo merchant data is often incorrect (eg. the map shows the wrong location or the name of the place is not correct). Please submit improvements to this data so it can get better for future visitors.


“Just something to bare in mind is that if a Spanish merchant follows local laws properly and inspects your card, not having your full name on the card might be an issue. I had this with Avis car rental and they required one of my cards with my name as evidence that I hadn’t robbed the card.”

If you are using Three to roam, you probably won’t get iPhone notifications from Monzo. The app still works fine though.

“The experience we have just had in Spain with the toll roads is that the card is NOT accepted in the automatic machine where you just pop the card in and go through. If you go to a manual booth with a person and they have a credit card machine then a contactless payment or chip and pin seems to work fine.”

To edit this guide, just tap the pencil icon below. Alternatively, add a reply with your comments and someone from the community will incorporate your suggestions into the guide and then delete your comment.

Monzo in Spain
Can I use Monzo like a regular debit card in shops abroad?
Monzo in Spain - 2
:es: Monzo in Spain [Discussion]
Travelling with Monzo: Europe
Going abroad to Europe
Do I have to use the app?
Introduce yourself :wave:
Introduce yourself :wave:
(Lee Harding) #46

I was in Valencia the last few days and discovered that TeleBanco also offer free withdrawals from Monzo :+1: also contactless seems to be quite common. A few times I went to inset my card when I was told to “tap” :nerd_face:


Hi lee1706. So can i withdraw some € in telebanco using monzo card? I am in spain and I would like to have some cash.

(Lee Harding) #48

Hi Turko

I used my card in València to withdraw € at TeleBanco without any charge.



I happened to be in Spain when Apple Pay launched last week and was surprised at the number of retailers that not only accepted it (all), but for the ones that went way past the 30€ limit without any further interaction (number or signature)! A huge boost to payment convenience… :smiley:

(Antony Bromley Roberts) #50

I live partly in Sosin and am very happy with Monzo I use it everywhere

(Mr D J Woodhouse) #51

Monzo via Apple Pay works in Ibiza although paying with an Apple Watch still seems a novelty / oddity to some retailers!